Upstart Holdings [UPST] vs FirstCash Holdings [FCFS] Detailed Stock Comparison

Upstart Holdings

NASDAQ
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FirstCash Holdings

NASDAQ
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TLDR: Quick Comparison Summary

Based on 19 vital metrics comparison: Upstart Holdings wins in 2 metrics, FirstCash Holdings wins in 16 metrics, with 0 ties. FirstCash Holdings appears stronger overall.

View Metrics Details

Vital Metrics Comparison

MetricUpstart HoldingsFirstCash HoldingsBetter
P/E Ratio (TTM)-36.0823.35Upstart Holdings
Price-to-Book Ratio6.923.15FirstCash Holdings
Debt-to-Equity Ratio212.9494.52FirstCash Holdings
PEG Ratio0.331.02Upstart Holdings
EV/EBITDA1,112.2714.51FirstCash Holdings
Profit Margin (TTM)-0.72%8.61%FirstCash Holdings
Operating Margin (TTM)4.65%12.67%FirstCash Holdings
EBITDA Margin (TTM)4.65%12.67%FirstCash Holdings
Return on Equity-0.96%14.17%FirstCash Holdings
Return on Assets (TTM)-0.49%6.97%FirstCash Holdings
Free Cash Flow (TTM)$176.34M$471.71MFirstCash Holdings
1-Year Return25.81%33.28%FirstCash Holdings
Price-to-Sales Ratio (TTM)5.651.99FirstCash Holdings
Enterprise Value$6.14B$8.66BFirstCash Holdings
EV/Revenue Ratio6.942.56FirstCash Holdings
Gross Profit Margin (TTM)N/A49.70%N/A
Revenue per Share (TTM)$10$76FirstCash Holdings
Earnings per Share (Diluted)$-0.05$6.50FirstCash Holdings
Beta (Stock Volatility)2.280.69FirstCash Holdings
Performance
News Sentiment
Key Stats
Valuation
Financials
Short Interest
Dividends

Upstart Holdings vs FirstCash Holdings Stock Performance Analysis

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Upstart Holdings
FirstCash Holdings
Upstart Holdings Stock Overview | FirstCash Holdings Stock Overview

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Upstart Holdings1.25%-9.40%-19.39%-29.61%34.30%-14.54%
FirstCash Holdings2.05%-0.98%1.37%10.98%19.23%47.96%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Upstart Holdings25.81%148.85%17.85%17.85%17.85%17.85%
FirstCash Holdings33.28%95.13%158.98%247.35%443.66%1,074.85%

News Based Sentiment: Upstart Holdings vs FirstCash Holdings

Upstart Holdings

News based Sentiment: MIXED

October was a month of contrasts for Upstart, with strong earnings growth offset by insider selling and a substantial debt offering. While delinquency rates showed improvement, analyst sentiment remains divided, creating a mixed outlook for investors. The upcoming Q3 earnings report will be critical in clarifying the company's trajectory.

View Upstart Holdings News Sentiment Analysis

FirstCash Holdings

News based Sentiment: POSITIVE

FirstCash is experiencing a wave of positive analyst sentiment following strong earnings, coupled with a commitment to returning capital to shareholders through a dividend increase. While some market volatility and insider selling exist, the overall narrative is positive, suggesting potential for continued growth.

View FirstCash Holdings News Sentiment Analysis

Performance & Financial Health Analysis: Upstart Holdings vs FirstCash Holdings

MetricUPSTFCFS
Market Information
Market Cap i$5.06B$6.80B
Market Cap CategoryMid capMid cap
10 Day Avg. Volume i8,758,160422,360
90 Day Avg. Volume i7,726,097319,773
Last Close$52.61$154.90
52 Week Range$31.40 - $96.43$100.24 - $158.93
% from 52W High-45.44%-2.54%
All-Time High$401.49 (Oct 11, 2021)$158.93 (Sep 26, 2025)
% from All-Time High-86.90%-2.54%
Growth Metrics
Quarterly Revenue Growth0.91%-0.01%
Quarterly Earnings Growth1.02%0.22%
Financial Health
Profit Margin (TTM) i-0.01%0.09%
Operating Margin (TTM) i0.05%0.13%
Return on Equity (TTM) i-0.01%0.14%
Debt to Equity (MRQ) i212.9494.52
Cash & Liquidity
Book Value per Share (MRQ)$7.51$48.24
Cash per Share (MRQ)$4.16$2.29
Operating Cash Flow (TTM) i$-65,234,000$554.73M
Levered Free Cash Flow (TTM) i$-223,471,008$576.17M
Dividends
Last 12-Month Dividend Yield iN/AN/A
Last 12-Month Dividend iN/AN/A

Valuation & Enterprise Metrics Analysis: Upstart Holdings vs FirstCash Holdings

MetricUPSTFCFS
Price Ratios
P/E Ratio (TTM) i-36.0823.35
Forward P/E i136.7419.17
PEG Ratio i0.331.02
Price to Sales (TTM) i5.651.99
Price to Book (MRQ) i6.923.15
Market Capitalization
Market Capitalization i$5.06B$6.80B
Enterprise Value i$6.14B$8.66B
Enterprise Value Metrics
Enterprise to Revenue i6.942.56
Enterprise to EBITDA i1,112.2714.51
Risk & Other Metrics
Beta i2.280.69
Book Value per Share (MRQ) i$7.51$48.24

Financial Statements Comparison: Upstart Holdings vs FirstCash Holdings

Financial Metrics

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Revenue

EBITDA

Shareholders Equity

Operating Margin

Free Cash Flow

Long Term Debt

Profit Margin

Current Ratio

Operating Cash Flow

Income Statement (MRQ)

Metric (MRQ)UPSTFCFS
Revenue/Sales i$213.37M$830.62M
Cost of Goods Sold iN/A$417.81M
Gross Profit iN/A$412.82M
Research & Development iN/AN/A
Operating Income (EBIT) iN/A$105.20M
EBITDA iN/A$213.06M
Pre-Tax Income i$-2.42M$81.08M
Income Tax i$29,000$21.27M
Net Income (Profit) i$-2.45M$59.81M

Balance Sheet & Liquidity Metrics (MRQ)

Metric (MRQ)UPSTFCFS
Cash & Equivalents i$605.37M$146.03M
Total Current Assets iN/A$1.33B
Total Current Liabilities iN/A$301.89M
Long-Term Debt i$1.25B$1.94B
Total Shareholders Equity i$676.64M$2.06B
Retained Earnings i$-413.60M$1.48B
Property, Plant & Equipment i$40.56M$1.05B

Cash Flow Statement Comparison (MRQ)

Metric (MRQ)UPSTFCFS
Operating Cash Flow i$35.13M$83.67M
Capital Expenditures i$0$-12.91M
Free Cash Flow i$-19.65M$113.73M
Debt Repayment i$-133.73M$-129.00M
Common Stock Repurchase iN/A$-59.61M

Short Interest & Institutional Ownership Analysis

MetricUPSTFCFS
Shares Short i21.93M413,303
Short Ratio i3.471.58
Short % of Float i0.26%0.01%
Average Daily Volume (10 Day) i8,758,160422,360
Average Daily Volume (90 Day) i7,726,097319,773
Shares Outstanding i93.47M44.75M
Float Shares i84.11M39.24M
% Held by Insiders i0.12%0.12%
% Held by Institutions i0.66%0.89%

Dividend Analysis & Yield Comparison: Upstart Holdings vs FirstCash Holdings

MetricUPSTFCFS
Last 12-Month Dividend iN/AN/A
Last 12-Month Dividend Yield iN/AN/A
3-Year Avg Annual Dividend iN/AN/A
3-Year Avg Dividend Yield iN/AN/A
3-Year Total Dividends iN/AN/A
Ex-Dividend DateN/AN/A